Hopefully your luggage and cards will show up in the next few days. My wife and I were flying to Florida to go on a cruise about 10 years ago and our luggage didn't arrive with us. We had to get on the boat with only the clothes on our back. We found out from first-hand experience that Cruise Ship Companies are VERY GOOD at working with airlines to find luggage. After a full day at sea, our luggage was waiting for us in Puerto Rico on the second day of the cruise.
I hope you end up with a happy ending like we did.
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